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Families facing up to the spiralling cost of living are being targeted by predatory loan sharks who pose as friends and even using social media influencers to trap new victims.

It is estimated more than a million people are in debt to illegal money lenders, a number that has trebled in the past decade.

Investigators are concerned that the rising cost of living will push people who would not normally seek an underground loan to do just that.

Tony Quigley, head of England Illegal Money Lending Team, said: “One of the things we’re fearful of obviously is with the current situation around energy prices and inflation is that more people will be tempted to use this type of lender.”

Illegal lenders are increasingly operating on social media to entice and then exploit victims, sending threatening messages and shaming and manipulating them on group chats.

One convicted loan shark used an influencer to attract victims.

Loan sharks are also snaring victims by posing as friends who simply want to help out with cash loans before ramping up extortionate and arbitrary interest rates.

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£50 loan that spiralled to thousands

One woman, a mother of three, was offered a £50 loan by a woman she met at the school gate.

The debt quickly spiralled and she ended up paying thousands in cash with no records kept.

“I was stressed over the repayments,” she said. “I knew I had to pay her back because I have seen what she had done to other people if they didn’t pay her back. She made it her business to know exactly what money went into my bank.

“I got to the point of wanting to end everything. I was very suicidal and didn’t know who to go to. There were threats on my life and on my home. I had windows put in and I would get messages off people bullying me because she had sent them to my door, she even used local youths in the area as a campaign of terror.”

A suspected loan shark is arrested
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A suspected loan shark is arrested

‘Likely an illegal lender is someone you know’

The woman’s experience matches what was found in a study by the Centre for Social Justice, a think tank.

Matthew Greenwood, its head of debt, said: “I think the most startling thing that we uncovered was that over half of people who borrow from an illegal lender said that they perceived this person to be their friend when they first borrowed.

“There’s a sort of perception that every illegal lender is someone in a hoodie in a dark alley and while those people certainly do exist, it’s far more likely that an illegal lender is someone you know, rather than someone you’ve met for the first time.”

The study found that most victims have an income below £20,000, two-thirds already owe money to legal creditors, three-quarters are on benefits and two-thirds have a long-term health condition.

Tony Quigley, head of England’s Illegal Money Lending Team
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Tony Quigley said his team has seen ‘some horrendous things’

‘Pay me, don’t feed your children’

Experts say the crime is so widespread and hidden that victims are too scared or ashamed to report their experiences. The large sums of money and extortionate rates of interest take a psychological toll, leaving victims feeling trapped and helpless.

“We’ve seen some horrendous things that people have been subjected to,” Mr Quigley said. “We’ve had instances in the past where the loan shark has said to individuals: ‘Pay me, don’t feed your children.’

“We’ve also seen illegal lenders who have said they’ll send men round and they can pay the debt off through sexual favours so it is just hideous.”

The England Illegal Money Lending team, which was set up in 2004 and runs the Stop Loan Sharks helpline, is a specialist team of law enforcement officers combatting illegal lending and associated crime.

It has prosecuted more than 400 cases and written off £90m in illegal debt.

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Victims of maternity failings ‘disappointed’ with findings of damning report

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Victims of maternity failings 'disappointed' with findings of damning report

Victims of maternity failings say they’re “disappointed” with the findings of an interim report which they fear will have “no teeth” to make changes. 

An investigation into NHS maternity services is under way after a series of shocking scandals.

The National Maternity and Neonatal Investigation (NMNI) is being led by Baroness Amos, who said “nothing prepared her” for the amount of “unacceptable care” families currently receive.

A report has been released documenting her initial reflections and impressions after meeting families and visiting hospitals.

She will investigate 12 NHS trusts in total, including Oxford University Hospitals (OUH), which runs the world-renowned John Radcliffe Hospital.

‘I was left in my own blood’

Rebecca Matthews formed a campaign for families failed by OUH after her own traumatic births.

Asked to discuss the care she received, she said she “could only describe it as callous”.

“There wasn’t any kindness there. I was left in my own blood,” she added.

Ms Matthews recently took part in evidence-gathering sessions held by Baroness Amos.

But when she read her interim report, she said it was “disappointing”, as it appeared to be “a bullet point list of failings that actually we’ve seen time and time again in independent reviews”.

“The reflections don’t mention accountability at all,” she said.

Your stories of birth trauma

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Birth trauma: Your stories

‘Why are we struggling to provide?’

Based on her initial inquiries, Baroness Amos found common themes, including women not being listened to and being “disregarded” when they raised concerns.

Many weren’t given the right information to make informed choices about their care.

She was told of discrimination against women of colour, working-class mothers, or parents who were younger.

A “staggering” 748 recommendations have been made about NHS maternity services in recent years, Baroness Amos revealed – and she does “not understand why change has been so slow”.

She asked: “Why are we in England still struggling to provide safe, reliable maternity and neonatal care everywhere in the country?”

Baroness Valerie Amos. Pic: Reuters
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Baroness Valerie Amos. Pic: Reuters

The most recent health watchdog findings paint a depressing picture of maternity services.

Almost two-thirds of acute hospital maternity services were judged either inadequate or required improvement for safety.

Read more from Sky News:
Three women describe traumatic childbirth

This investigation is long overdue and isn’t due to report back fully until the spring.

But some campaigners are already worried it won’t bring meaningful change to maternity services.

Ms Matthews said it “seems as though it’s heading the same way that other reviews have gone in the past, leading to some recommendations but no teeth”.

“We need some mechanisms that are going to hold people and systems to account,” she said.

‘More to do’

OUH chief nurse Yvonne Christley said in a statement that “feedback received from patients using our maternity service over the last year is positive overall”.

“However, we know we have more to do to improve our maternity services,” she added.

“Our present focus is on listening to the experiences of women and families, which is helping us to identify opportunities for improvement.”

Anyone feeling emotionally distressed or suicidal can call Samaritans for help on 116 123 or email jo@samaritans.org in the UK. In the US, call the Samaritans branch in your area or 1 (800) 273-TALK.

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Royal Navy chief gives stark warning: Fund defence or risk losing Atlantic to Russia

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Royal Navy chief gives stark warning: Fund defence or risk losing Atlantic to Russia

The head of the Royal Navy has warned the government to “step up” and fund defence or risk losing the UK’s superiority in the Atlantic to Russia.

Should that happen, General Sir Gwyn Jenkins said it would be the first time since the end of the Second World War that Britain’s warships and submarines were not the dominant force in their most vital sea lanes alongside their allies.

“We are holding on, but not by much,” he told a conference in London on Monday.

“There is no room for complacency. Our would-be opponents are investing billions. We have to step up, or we will lose that advantage.”

As a senior, serving military officer speaking publicly, he did not make any direct criticism of the speed of plans by Sir Keir Starmer’s government to increase defence spending.

But Sky News has reported that he and his fellow chiefs held a “very difficult meeting” last month over how to fund plans to rebuild the armed forces amid fears of further cuts.

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Budget: what about defence spending?

Defence sources said there was growing concern at the very top of the armed forces about a gap between the promises being made by the prime minister to fix the UK’s hollowed-out defences and the reality of the size of the defence budget, which is currently not seen as growing fast enough.

That means either billions of additional pounds must be found more quickly, or ambitions to modernise and transform the armed forces might need to be curbed, despite warnings of mounting threats from Russia and China, and pressure from Donald Trump on allies to spend more on their own defences.

A Sky News and Tortoise podcast series called The Wargame tracks the hollowing out of the UK’s military since the end of the Cold War and the risk that has created.

👉Search for The Wargame on your podcast app👈

General Jenkins, the first Royal Marine to serve as First Sea Lord, used a speech at the Sea Power Conference to say that Russia is still investing billions in its naval capabilities – in particular the Northern Fleet that operates in the Atlantic – even as it wages war against Ukraine.

There has been a 30% increase in Russian incursions in the North Atlantic in the past two years, he said.

That included the Yantar spy ship, which last month was spotted off the coast of Scotland and even shone a laser at the pilots of a Royal Air Force reconnaissance plane that was tracking the vessel.

The Russian spy ship Yantar. Pic: MOD/PA
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The Russian spy ship Yantar. Pic: MOD/PA

Yet General Jenkins said what Russia is doing beneath the surface of the waves, where the UK and its allies store vital communications cables as well as critical oil and gas pipelines, was even more concerning.

“I can also tell you today that the advantage that we have enjoyed in the Atlantic since the end of the Second World War is at risk,” he said.

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Does Britain’s threat to Russia ring hollow?

HMS Iron Duke shadowing the Russian Frigate Neustrashimy through UK waters in September. Pic: PA
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HMS Iron Duke shadowing the Russian Frigate Neustrashimy through UK waters in September. Pic: PA

Navy facing huge challenges

It is a particularly tough time for the navy, which has more ships and submarines alongside and unable to operate than at sea or at least ready to sail.

The service is also suffering from a shortage of sailors and in particular submariners, which again is impacting the availability of the fleet.

The crisis follows decades of funding cuts since the end of the Cold War, compounded by a litany of botched procurement programmes that has all too often seen vessels coming into service years late, at an inflated price and in too few numbers.

Vision of ‘hybrid navy’

Despite the sombre tone, the First Sea Lord set out how he wants to transform his service and make it ready to fight a war – though not until 2029, a timeline that could be too slow if some predictions about the threat posed by Russia to NATO are correct.

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New UK military technology unveiled

His vision – working with industry and other allies – is about developing a blend of manned ships and submarines as well as unmanned ones – a “hybrid navy”.

He is also stripping back what he called the navy’s own bureaucracies to enable the service to move much faster – crucially at the pace of the threat and the pace of rapid and growing technological change.

“We will face headwinds, we will face rough seas, but together, we can solve these problems if we have the appetite, if we have the determination, and if we have the mindset.”

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Teen Afghan asylum seekers locked up for raping girl

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Teen Afghan asylum seekers locked up for raping girl

Two teenage asylum seekers from Afghanistan face possible deportation after being detained for abducting and raping a 15-year-old girl.

Jan Jahanzeb and Israr Niazal, both 17, led the “highly-distressed” victim away from friends near Leamington town centre to a secluded “den-type” area in parkland, where they pushed her to the ground and attacked her.

Sentencing the pair at Warwick Crown Court on Monday, Judge Sylvia de Bertodano said they ignored the victim’s “vigorous protests” and told them what they did “changed her life forever”.

“No child should have to suffer the ordeal that she suffered. It’s clear from the footage we have seen that no one can seriously entertain the thought that you believed she was consenting,” she said.

“You both knew perfectly well that what you were doing was criminal and wrong,” the judge added.

‘Highly distressing’

After lifting reporting restrictions protecting the identities of the defendants, the judge told them they had “betrayed” those who come to Britain seeking sanctuary and who observed the law.

Both defendants were unaccompanied child asylum seekers who arrived in the UK last year, prosecutor Shawn Williams said.

The incident happened in May of this year.

“Highly distressing” phone video found by police showed the victim screamed for help, but Jahanzeb placed his hand over her mouth.

CCTV footage showed that after being led away against her will, the terrified victim was “moved to a bushy den-type area – a really secluded location” before, according to her, she was “pushed to her knees before being raped”.

“The prosecution case is that it was probably Jahanzeb that did that, but what is certain is that Israr Niazal was present and participating,” Mr Williams said.

The victim had made “explicit verbal protests” during what Mr Williams described as an abduction.

What are their sentences?

Jahanzeb, who has already been served with deportation notification papers, was given 10 years, eight months’ youth detention.

Niazal, who may also be deported, was sentenced to nine years and 10 months.

They will start their sentences in a young offenders’ institution and move to prison at a later date, police said.

Both pleaded guilty to rape at an earlier hearing.

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Rapper admits dangerous driving
My ‘traumatic’ maternity experience

Detective Chief Inspector Richard Hobbs said the offenders “went out of their way to befriend the victim with the intention of raping her”.

“The length of their sentence reflects the severity of their crime and the need to protect the public from them,” he added.

After sentence was passed, Judge de Bertodano said the victim had been “beyond brave” in attending court at a previous stage, when the defendants had intended to plead not guilty.

They were both ordered to register as sex offenders.

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